Credit Analyst II (Onsite-Plano, TX)

Samsung Electronics; Plano (TX); On-site; USD 75,000 - 110,000; Full time

Benefits offered by this job

Medical

Dental

Vision

Life Insurance

401(k)

Job summary

Samsung Electronics America, Inc. is seeking a Credit Risk Analyst to manage an assigned portfolio of accounts, monitor credit limits, perform risk analyses, and collaborate with cross-functional teams to ensure compliant and timely credit actions.

The role emphasizes strong analytical skills, financial statement analysis, and experience with risk assessment tools, with a focus on delivering accurate reporting to internal stakeholders.

Qualifications

• Bachelor's degree required in Accounting, Finance, Business, or Economics.
• 4–6 years in a similar field or related work experience.
• Strong financial statement analysis, liquidity analysis, and risk assessment skills.
• Knowledge of hedging options such as AR trade insurance, inventory finance, UCC liens, Letter of Credit, and cash collateral.
• Experience with D&B reports and other trade data is a plus.
• Knowledge of bank facility structure, covenants, ABL, interest rates, and bank trade references.
• Experience with SAP or similar ERP system preferred.

Responsibilities

• Manage the commercial credit risk for an assigned portfolio of accounts (40-60 accounts).
• Complete credit reviews and assigned tasks on a timely basis.
• Use credit risk analysis skills with available risk assessment tools and third-party data to analyze and recommend limits for existing and new account requests.
• Build strong relationships with customers, Sales, Legal, Collections, Tax, Accounting, Order Management, and Supply Chain.
• Contribute to workflow improvements within the Credit Risk team.
• Assist in producing and maintaining recurring credit risk reports (End of Month, Watch List, AR Forecast, Quarterly Report, Aged Trial Balance, Coface Rating, UCC Quarterly, Inventory Finance rates).

Skills

Credit risk management

Financial statement analysis

Risk assessment

Excel

Communication

Attention to detail

D&B reports

AI/tech awareness

Education

Bachelor's degree in Accounting, Finance, Business, or Economics

Tools

SAP

Job description

Position Summary

This role is not eligible for immigration sponsorship Samsung Electronics America, Inc. (SEA), the U.S. Sales and Marketing subsidiary, is a leader in mobile technologies, consumer electronics, home appliances, enterprise solutions and networks systems. For more than four decades, Samsung has driven innovation, economic growth and workforce opportunity across the United States—investing over $100 billion and employing more than 20,000 people nationwide. By integrating our large portfolio of products, services and AI technology, we’re creating smarter, sustainable and more connected experiences that empower people to live better. SEA is a wholly owned subsidiary of Samsung Electronics Co., Ltd. To learn more, visit Samsung.com. For the latest news, visit news.samsung.com/us.

Role and Responsibilities

Position Summary The employee will manage an assigned portfolio of accounts, applying the company’s credit practices and procedures. The employee will be responsible for continuous monitoring of their account portfolio, ensuring that credit limits are sufficient, alerting team leads to financial downturns, and suggesting credit actions or other risk-mitigating solutions. The employee will also be responsible for the initial risk analysis and setup of new accounts, working with various external teams to ensure appropriate documents are collected and accurate. Additionally, the position will require reporting both assigned and ad hoc reports that will be distributed within the group as well as to a broader audience.

Key Responsibilities

• Manage the commercial credit risk for an assigned portfolio of accounts (40-60 accounts)
• Complete credit reviews and assigned tasks on a timely basis
• Use credit risk analysis skills along with available risk assessment tools and third-party data to analyze and recommend limits for existing and new account requests
• Build strong relationships with: the Customer for periodic financial updates; Sales for forecasts and business needs; Legal to ensure proper documents are in place; Collection to ensure payments are made promptly; and ongoing interaction with Tax, Accounting, Order Management, and Supply Chain
• Contribute to workflow improvements within the Credit Risk team
• Assist in producing and maintaining recurring credit risk reports, including: End of Month, Watch List, AR Forecast, Quarterly Report, Aged Trial Balance, Coface Rating, UCC Quarterly, Inventory Finance rates

Qualifications

• Bachelor’s degree in Accounting, Finance, Business, or Economics
• Minimum 4-6 years in a similar field or related work experience
• Strong financial statement analysis, liquidity analysis, and risk assessment skills
• Knowledge of hedging options such as AR trade insurance, inventory finance, UCC liens, Letter of Credit, and cash collateral.
• Experience with D&B reports and other trade data is a plus
• Knowledge of bank facility structure, covenants, ABL, interest rates, and bank trade references
• Experience with SAP or similar ERP system preferred

Necessary Attributes & Skills

• Solid analytical and problem-solving skills
• Ability to identify discrepancies and inconsistencies
• Strong attention to details is of paramount importance in this role
• Diplomacy and ability to deal with difficult situations
• Excellent Oral & Written Communication Skills
• Solid Microsoft Office skills (Word & Excel) V-lookup and Pivot tables (Macros a+)
• AI tool implementation and usage skills in the job function preferred
• Attitude towards work and timeliness in completing daily tasks

Benefits

• Medical
• Dental
• Vision
• Life Insurance
• 401(k)
• Employee Purchase Program
• Tuition Assistance (after 12 months)
• Paid Time Off
• Student Loan Program (after 12 months)
• Wellness Incentives
• and many more

In addition, regular full-time employees (salaried or hourly) are eligible for MBO bonus compensation, based on company, division, and individual performance.

To ensure a fair and transparent recruitment process, please do not use GenAI tools during your interview unless explicitly permitted; failure to adhere to these guidelines may result in disqualification from the recruitment process.

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Life @ Samsung

https://www.samsung.com/us/careers/life-at-samsung/

Benefits @ Samsung

https://www.samsung.com/us/careers/benefits/

At Samsung, we believe that innovation and growth are driven by an inclusive culture and a diverse workforce. We aim to create a global team where everyone belongs and has equal opportunities, inspiring our talent to be their true selves. Together, we are building a better tomorrow for our customers, partners, and communities.

Samsung Electronics America, Inc. and its subsidiaries are committed to employing a diverse workforce, and provide Equal Employment Opportunity for all individuals regardless of race, color, religion, gender, age, national origin, marital status, sexual orientation, gender identity, status as a protected veteran, genetic information, status as a qualified individual with a disability, or any other characteristic protected by law.

Reasonable Accommodations for Qualified Individuals with Disabilities During the Application Process

Samsung Electronics America is committed to providing reasonable accommodations for qualified individuals with disabilities in our job application process. If you have a disability and require a reasonable accommodation in order to participate in the application process, please contact our Reasonable Accommodation Team (855-557-3247) or [e-mail] for assistance. This number is for accommodation requests only and is not intended for general employment inquiries.

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Samsung Electronics is a global leader in technology, opening new possibilities for people everywhere. Through relentless innovation and discovery, we are transforming the worlds of TVs, smartphones, wearable devices, tablets, digital appliances, and network systems, and the entire semiconductor industry with our memory, system LSI, foundry, and LED solutions. Samsung is also leading in the development of the Internet of Things through, among others, our Smart Home and Digital Health initiatives. Since being established in 1969, Samsung Electronics has grown into one of the world’s leading technology companies, and become recognized as one of the top global brands. Our network now extends across the world, and Samsung takes great pride in the creativity and diversity of its talented people, who drive our growth. To discover more, please visit our official newsroom at (https://news.samsung.com/global/).